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Move your money quickly

Send or receive money both domestically and internationally with wire transfers.

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Need to wire money? Here’s what you need.

Domestic wires:

  • Name of the recipient (person receiving the wire)
  • Recipient account number
  • Recipient street address (no P.O. boxes)
  • Name and wire routing number of the receiving financial institution
  • Any additional information provided that needs to be communicated to the receiving financial institution


International funds transfers:

  • Full name, street address and phone number of the recipient (person receiving the funds transfer)
  • Recipient’s account number or International Bank Account Number (IBAN) and account type (e.g., checking, savings etc.)
  • Name and street address of the receiving financial Institution
  • The Bank Identifier Code (BIC), SWIFT code or national bank code of the receiving financial Institution
  • Any additional details or intermediary bank information that needs to be communicated with the funds transfer
  • If funds being transferred are for the purchase of goods, you need a copy of the invoice, purchase order or other associated documentation.
  • If funds being transferred are for the purchase of real estate, sale of property or entering into a contract, you need a copy of the Transaction-Purchase Agreement, contract or other associated documentation.


Want to receive money via wire transfer?

The person wiring you money will need both Desert Financial’s routing number (122187238) and the incoming wires account number located on your “Account Details” tab in Online Banking.

Here’s how to locate it:

  • Log in to Online Banking and click the name of the account you want your funds deposited into. Click on the “Account Details” tab and look for the incoming wires account number about halfway down the page, underneath your direct deposit number.
  • If your 14-digit account number starts with 0, you must include the zeroes as well as the last four digits after the dash (this indicates whether it’s your checking account, savings account, money market account, etc.).
  • You must include the dash. Not including the dash could prevent the incoming wire funds from being deposited into your account (example: 0004567890-0400).


Address and information needed for incoming transfers

Provide this information to anyone sending you money via wire transfer.

  • Address for incoming transfers
    Desert Financial Credit Union
    148 N. 48th Street
    Phoenix, AZ 85034
  • ABA routing #122187238
  • Final credit to: member’s full name and full 14-digit account number
  • Preferred account number format: 1234567890-0400

Please see our Fee Schedule for information regarding the costs associated with sending and receiving a wire transfer.

Ready to wire money?

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FAQs on wire transfers

I’m expecting an incoming wire; when will it be posted?

Domestic wires received on a business day prior to 3 p.m. will be credited to and made available in a member’s account by 5 p.m. Wires received on a business day after 3 p.m. or on a non-business day will be credited to and made available on the following business day by 5 p.m. Business days are considered Monday through Friday, excluding federal holidays.

When can I send a wire transfer?

Domestic wires: Requests to send a domestic wire must be received by 1 p.m. Monday-Friday to be sent out the same day. Requests received after 1 p.m. or on Saturdays will be processed and sent on the following business day (Monday-Friday, excluding federal holidays).

International funds transfers: Requests to send an international funds transfer originating from a consumer account may only be initiated Monday-Friday, 9 a.m.-1 p.m. Business funds transfers can be accepted at any time during branch hours, but will only be processed Monday-Friday between 9 a.m. and 1 p.m.

How long does an international funds transfer take?

It can take up to 10 business days, but the credit union cannot guarantee the timeliness or receipt of funds sent internationally.

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